A small business owner's guide to bad faith claims in Pennsylvania. Most small business owners buy commercial insurance hoping never to use it. When the time comes to file a claim — a water main breaks, a fire damages inventory, a customer is injured — the assumption is that the policy will do what it was sold to do. Sometimes it does. Sometimes it does not. And when an insurer denies, delays, or underpays a legitimate claim, Pennsylvania law gives the policyholder more lever